Mecklenburg County property record for 1938 Sterling Rd, Charlotte, NC 28209
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,386 sqft · built 1940 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $468,000 (Jun 2002) |
| Tax Bill | $12,232 (2024) |
| Deeds & Mortgages | Sep 2021 Transfer Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151-142-32 |
| Primary APN | 151-142-32 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,386 sqft Living Area |
| 1st Floor Area | 1,813 sqft |
| Upper Floors Area | 1,156 sqft |
| Basement Area | 575 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Patio Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1938 STERLING RD |
|---|---|
| City | CHARLOTTE |
| State | NC |
| Zip | 28209-1610 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-4 |
| Legal Description | L7 B62 M3-579 |
| Legal Subdivision | MYERS PARK |
| Legal Block | 62 |
| Legal Lot Number | 7 |
| Jurisdiction | MECKLENBURG NC |
| Township / Civil Division | 1, CHARLOTTE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 2702 |
Source: Mecklenburg County records, as of September 9, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1938 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2021 | Intrafamily Transfer, Transfer |
| Apr 4, 2017 | Deed of Trust, Mortgage · ARM PENTAGON FCU |
| Jun 18, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 20, 2002 · Amount on Record |
| Deed Sale | Jun 20, 2002 · Amount on Record |
| Deed Document Number | 2002118653 |
| Deed Book / Page | 13716 / 189 |
| Last Transfer Date | Sep 22, 2021 |
| Transfer Doc | 0000182124 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Recording Date | Sep 22, 2021 |
| Property Address | 1938 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Document Number | 0000182124 |
| Book / Page | 36559 / 904 |
| Map Reference | MB 3 PG 579 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2021182124 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1938 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1938 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000043203 |
|---|---|
| Date | Apr 4, 2017 |
| Book Page | 31691/915 |
| Instrument | 2017043203 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22313 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
| Type Change Date | May 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5.12% |
| Index | 5-Year TN |
| Margin | 2 |
| Max Rate | 8.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MECKLENBURG NC |
| Property Address | 1938 STERLING RD, CHARLOTTE, NC 28209-1610 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000074937 |
|---|---|
| Date | Jun 18, 2019 |
| Book Page | 33595/913 |
| Instrument | 2019074937 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | FAYETTEVILLE, NC 28311 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 5, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Mecklenburg County assessment roll, as of September 9, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Mecklenburg County |
| Municipality | Charlotte City |
| Unified School District | Charlotte-Mecklenburg Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,595,200 Land $1,023,800 Building $571,400 | $1,595,200 Land $1,023,800 Building $571,400 | |
| 2024 | $12,232.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 77 policies |
| Community Rating System | Class 2 (40% premium discount) |
| Nearby Flood Policies | 77 in force |
| Nearby Flood Claims | 104 (1979–2025) |
| Claims Outside the SFHA | 13 of 104 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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